84 | SMALLHOLDER DIARIES Pakistan. Photo by Erin Scronce. eep better trac of the large amounts of money they have saved­ Œhe written ledger of savings that arthis eep for farmers, for example, could be converted to a new record eeping system using mobile technology­ he middlemen themseles may benefit from a wider range of financial tools to cope with li uidity constraints, transaction costs, and risƒ ˆddress- ing their pain points may allow greater flexibility on the products and terms that they offer the smallholder households with whom they wor­ œasing financial pressures at the top of the value chain may benefit farmers at the bottom, though middlemen would still hold the balance of power in negotiating with smallhold- ers­ Œhe eventual impact on smallholder households of improving the financial mechanisms available to middlemen should be further explored­ AREAS FOR FURTHER RESEARCH Œhe Smallholder ‰iaries are designed to spotlight some ey observations in income, expenses, ris management, and financial portfolios across three dis- tinct profiles of smallholder households in –o—ambiue, Œan—ania, and ai- stan and drive advances in their financial inclusion­ ™hile the specific context of each sample is important, these findings also have implications for the small- holder household sector worldwide­ Œhe sample of smallholder households in each study country has characteristics shared with broader types of smallholder segments identified in countries around the world, which presents the opportu-